Basics

With personal excess liability insurance, which is similar to "umbrella insurance," you can add another layer of liability coverage to protect you in the event that:

Injuries are sustained in your home or on your property

Accidents involve your automobile, boat, or recreational vehicle

Judgments exceed your current coverage

These days, lawsuits are common and judgments can be substantial. The more assets you own, the more vulnerable you are. Legal costs to defend a suit may not be completely covered by basic insurance. That's why additional coverage through personal excess liability insurance can provide real financial value, as well as priceless peace of mind.

It's serious protection you can afford

$1 million in coverage can be obtained for as low as $200 a year. MetLife Auto & Home® offers limits up to $5 million, and in some states, up to $9 million.

You might also consider:

A GrandProtect® policy package combines auto, home, and/or RV policies with a personal excess liability policy into one convenient package of policies for comprehensive protection that minimizes coverage gaps - all in one easy monthly payment.

To request a quote, call 1-866-482-5546.

Details

A personal excess liability policy (PELP) provides an added layer of liability protection on top of your existing auto and homeowners insurance policies.

Even if you're already insured, judgments from lawsuits can exceed your current liability limits on your existing underlying insurance policies, especially if there were a serious injury or loss of life.

How does a personal excess liability policy work? Let's say you have $1 million dollars of personal excess liability coverage and $300,000 of auto or homeowners liability coverage.

If you were sued for $1 million, your basic auto or homeowners policy would cover the first $300,000 of the lawsuit costs (subject to your deductible), then your PELP policy would cover the additional $700,000. Without this additional liability coverage, your current and future assets and income could be at considerable risk in order to pay off this judgement.

If you need legal defense for a covered claim, a personal excess liability policy could pay:

Legal fees and court costs, which could be substantial and not covered by your basic policies

Lost wages of up to $100 per day, if you are asked to appear at a hearing or testify in court (maximum of $5,000.)

Interest on unpaid judgments

Premiums on appeal bonds

Expenses incurred by you at MetLife Auto & Home's request

Even if you're already insured, judgments from lawsuits can exceed your current liability limits on your existing underlying insurance policies, especially if there is a serious injury or loss of life.